{"card":{"slug":"us-bank-smartly","name":"U.S. Bank Smartly Visa Signature","issuer":"us-bank","currency":"US Bank Cash Back"},"status":"recent","lastVerified":"2026-11-02","officialSource":"https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html","history":[{"date":"2024-10","bonus":20000,"spend":1000,"months":3,"note":"Launch offer, uncapped 4% era"},{"date":"2025-04","bonus":25000,"spend":2000,"months":4,"note":"Earning tiers restructured for new cardholders"},{"date":"2026-06","bonus":25000,"spend":2000,"months":4},{"date":"2026-09","bonus":0,"spend":0,"months":0,"note":"Welcome offer discontinued; card now relies on its 0% intro APR and tiered cash back instead"},{"date":"2026-11-02","bonus":0,"spend":0,"months":0,"note":"Freshness-rotation reconfirmation: US Bank's own Smartly page still shows no sign-up bonus, unlimited 2% base, and the same 2.5%/3%/4% qualifying-balance tiers. No change.","sourceUrl":"https://www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html","sourceLabel":"US Bank Smartly Visa Signature page, checked November 2, 2026"}],"verificationEvents":[{"id":"c490f950-6e6f-4272-be25-37ed274fc1b9","entityType":"card","slug":"us-bank-smartly","checkedAt":"2026-10-23T14:22:02.334Z","recordedAt":"2026-10-23T14:22:02.335Z","sourceUrl":"https://rewards.usbank.com/benefits/card/SmartlySigBenefits/faqs","sourceLabel":"U.S. Bank Smartly card rewards FAQ","outcome":"changed","summary":"Scoped correction of card earning tiers: $10,000 starting threshold, qualifying checking/Safe Debit balances with separate Savings requirement, $10,000 eligible purchase cap and exclusions. Removed investment-balance and unlimited all-purchases claims. Full record and offer dates/history unchanged.","changedFields":["earningRates","tagline","creditScore","benefits","pros","cons","ourTake","editorialReview"],"facts":{"firstBonusBalanceThreshold":10000,"eligiblePurchaseCapPerCycle":10000,"investmentsQualify":false,"fullRecordDateRenewed":false},"previousHash":"1ee989024cfaeb8947d1e4b606c2223662485e3ca40b87d642bd1b57d18ab211","recordHash":"7590be6e91632816f72f1f3e7f687c5c4a3428f09d5b09a97f0498c5d2521ff7"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}